I&E allowances in IVA compared to BR

peachyprice

skibadee wrote: »

Thank you sooooo much peachyprice :A:A........am so screwed up bout all of this and scared i'll be making a mistake going BR...though I know I'm not.......can't afford IVA payments anymore,

Hey, you're welcome.

Can you see how I've arrived at those figures?
I've taken all your OH's own personal expenses off, and he's contribution is half of all the shared household bills.
The figures I've used (and the adding up:rolleyes:) might not be spot on, but it gives you an idea as to what you're aiming for.

skibadee

peachyprice wrote: »

Hey, you're welcome.

Can you see how I've arrived at those figures?
I've taken all your OH's own personal expenses off, and he's contribution is half of all the shared household bills.
The figures I've used (and the adding up:rolleyes:) might not be spot on, but it gives you an idea as to what you're aiming for.

Yes thank you so much peachyprice can see how you arrived at the figures:A

skibadee

Another question.........my wage is different every month as I get paid by the hour and get paid on last working day of month...so wages fluctuate on wage slip.

Based on my P60 for 2008/2009 my earnings were £7500 approx [ can't find it at mo' !! ]......averaged out this amounts to £625 a month.....can I also use this as proof of income too?

peachyprice

The OR usually takes an average of the last 3 months pay slips, and going forward. They're not really intersted in last year.

So they may ask for the last 3, then ask you to send them in every month for a few months.

skibadee

Net monthly income............................................ ......600
Partners contribution ............................................561
Rent/board recieved.......................................... ........180

total............................................. ........................1341

rent.............................................. .........................375
water............................................. .........................38
gas............................................... ..........................45 To cover winter too
electric.......................................... ..........................50 Ditto
contents ins............................................... ..............14
telephone inc., mob., and internet................................60
tv licence........................................... .....................12
repairs........................................... .........................25
life ins.,............................................. ......................33
fares/travel............................................ ..................80
food/toileteries/cleaning.......................................... ..450
pet/ins............................................... ......................20
clothing footwear.......................................... ............60 Inc summer uniform
hairdressing...................................... ........................10
medicines/prescriptions..................................... ..........17
dentist/opticians......................................... ...............20
sports/hobbies/entertainment..................................... ..0
sundries/emergencies....................................... ...........20


total............................................. ..........................1329

surplus .................................................. ...................12
Your SoA would look someting like this.

Forgot to add council tax ..£115 a month

So..
My in come ..............£640.......this is approx take home averaged on 6 wage slips
ND cont.,.................£180
OH cont.,.................£650

outgoing.................£1419
incoming.................£1470
surplus......................£51


Is that about right???????????????